Craig F. Stanovich, CPCU, CIC, AU
Craig Stanovich writes on commercial
general liability (CGL) insurance policy issues for IRMI.com.
Mr. Stanovich is co-founder and principal of Austin & Stanovich Risk Managers,
LLC, a risk management and insurance advisory consulting firm specializing in
all aspects of commercial insurance and risk management, providing risk management
and insurance solutions, not insurance sales. Services include fee based "rent-a-risk
manager" outsourcing, expert witness and litigation support and technical/educational
support to insurance companies, agents and brokers.
Formerly a vice president of commercial insurance for a large regional insurance
brokerage firm in Worcester, Massachusetts, Mr. Stanovich specializes in commercial
and business insurance, including: commercial property and time element, commercial
general liability, umbrella liability, workers compensation, and employment
practices liability coverages. He has practical, in-depth experience in risk
management, pollution liability, retrospective rating programs, workers compensation
self-insurance groups, association captives/risk retention groups, and is familiar
with most legal issues concerning insurance.
Mr. Stanovich has published articles in various national and local journals
and magazines in both the insurance and business fields. He has also served
as an expert witness in several cases involving insurance custom and practice
as well as insurance coverage issues. He is currently serving as president of
the Central Massachusetts Chapter, CPCU Society. Mr. Stanovich has also served
on the Holden Finance Committee from 1992 to 1998, serving as chair in 1997
and 1998. He is a member of the Holden Planning Board, currently serving as
vice chairman.
Mr. Stanovich graduated from Bridgewater State College with a BS in Education
and has worked in the insurance and risk management field since 1978. He is
an instructor locally for CPCU, ARM, and CISR classes, and also serves on the
National Faculty of the Society of Certified Insurance Counselors for the James
K. Ruble Advanced Coverage Series. He holds the Associate in Underwriting (AU),
CPCU, and CIC professional designations and is a Licensed Insurance Advisor
in Massachusetts and has his Massachusetts broker's license in Property, Casualty,
Life, Accident and Health.
Austin & Stanovich Risk Managers LLC (www.austinstanovich.com)
has been recognized by Business Insurance as a "Notable" Web site in the category "Risk Management Information" in the
publication's "2003 Best of the Web" edition.
Articles on IRMI.com
CGL Insurance
2007 Edition—A Summary of Changes (June 2008)
CGL Exclusion
for Expected or Intended Injury (March 2008)
Liquor Liability
Exclusion in the CGL (January 2008)
When Workers
Aren't Employees (September 2007)
In Defense
of Insured Contracts (July 2007)
No Harm,
No Coverage—Personal and Advertising Injury Liability Coverage in the CGL (Part
1) (January 2007)
No Harm,
No Coverage—Personal and Advertising Injury Liability Coverage in the CGL (Part
2) (April 2007)
The Hazards
of Products and Completed Operations (October 2006)
Additional
Insured Endorsements—A Potential Minefield (Part 1) (January 2006)
Additional
Insured Endorsements—A Potential Minefield (Part 2) (February 2006)
Additional
Insured Endorsements—A Potential Minefield (Part 3) (March 2006)
Auto versus
Mobile Equipment in the 2004 CGL—An Update (October 2005)
Faulty Work
and the CGL (July 2005)
CGL—Fire
Legal (April 2005)
CGL—Covered
Locations (December 2004)
A Summary
of December 2004 ISO CGL Policy Changes (October 2004)
How the Limits
Apply in the CGL (July 2004)
Additional
Insured Changes in the CGL (May 2004)
Some Common
Coverage Misconceptions of the CGL Policy (January 2004)
Known Injury
or Damage (October 2003)
When Is an
Insured Not an Insured? (June 2003)
The CGL Pollution
Exclusion (March 2003)
Auto versus
Mobile Equipment in the CGL (December 2002)
Duty to Defend
in the CGL Policy (August 2002)
Contractual
Liability and the CGL Policy (May 2002)